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INF Traveler USA Insurance

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Frequently asked questions about INF international travel insurance coverage for Coronavirus

Now that the CDC announced that the world is at a level 3 travel advisory, is there any coverage for your policies for COVID-19?

There is no change in the coverage.

If they are currently enrolled, the policy will not be voided. If they are enrolling after the arrival date (most common situation now) they may go through special underwriting.

INF plans cover COVID-19 like a new sickness, subject to the terms and conditions of the policy. This is not a guarantee of benefits, however, as each claim is evaluated individually.

Currently, we will continue to support our customers and allow new enrollments in INF Standard and INF Traveler USA and others case by case.

Yes, they can enroll in the INF policies.

As of now, the pre-existing coverage will remain intact. For new enrollments, they may undergo special underwriting.

Yes, the plan will cover eligible sickness and accidents.

If they are a Non-US Citizen or Non-US Resident, yes they will be able to

INF plans cover COVID-19 like a new sickness, subject to the terms and conditions of the policy. This is not a guarantee of benefits, however, as each claim is evaluated individually. Additionally, we do not cover anyone who is already sick or showing symptoms, or plans to see a physician in the immediate future. As you know, the situation is developing day by day and is constantly changing. If the Travellers are interested in enrolling, we advise them to enroll right away.

INF travel insurance that covers coronavirus will treat it as a new sickness, even if you are infected on the airplane.

We cannot prove that you were infected with COVID-19 by simply being in contact with someone who had / has it. This has no effect on the coronavirus travel insurance. We will cover COVID-19 like any other new sickness.

Being tested is a service, if we determine a related service was done 12 months prior to the effective date, the condition would be considered Pre-Existing

We would still cover coronavirus like a new sickness. There is no incubation period exclusion clause in our policy. COVID-19 is covered just as if you catch the flu. Both testing & treatment are covered.

Yes, INF will cover COVID-19 like any other sickness. We do not have a pandemic or travel advisory exclusion clause in our policy.

No, INF will not pay out any benefits if you are already showing symptoms of COVID-19 before you enroll in the policy.

Antibody test prescriptions can be obtained via INF's telemedicine program for $0 (free). COVID-19 tests and prescriptions are covered. In both cases, you must be showing symptoms and tests should be prescribed by a physician (medically necessary) to be covered.

INF travel insurance coverage for Coronavirus (Covid 19)

As the world-wide outbreak of the coronavirus (Covid 19) continues to grow with no end in sight - it is important let travelers know that they need to have medical coverage which can cover the cost of treatment. Treatment costs of the coronavirus have been known to reach tens-of-thousands of dollars for in-patient hospitalizations, lab tests, and other needed medical facilities to treat the disease. Although there is no vaccine for the coronavirus, the travelers can still find medical coverage for visitors which will help with the treatment of the virus. Our claims show that individuals who are above 70 years are very susceptible to new illness and sickness such as the flu and pneumonia. In fact, the majority of claims paid out for those above the age of 70 years will be for these types of new sickness - not pre-existing conditions.

The cost hospitalization for a visitor who is aged 70-79 years with a case of pneumonia can range anywhere from $22,564 to upward for $56,323.67! This should be the expectation if one of the travelers suddenly becomes ill with the coronavirus. Often times, many patients will need extra care for these conditions- and this is only exacerbated by their age and that fact that there is still no vaccine for coronavirus.

INF travel insurance coverage for Coronavirus is straightforward. The coronavirus will be covered as per any new sickness in the policy since it is not explicitly excluded. Note that these plans only offer coverage in the US and Canada.

Travel medical insurance for travelers stranded in the USA, Canada or Mexico because of Coronavirus

It is heartbreaking to hear of so many people stranded due to COVID-19. So many borders are closing and travel plans have had to be altered. At American Visitor Insurance, we are committed to getting you the best insurance coverage we can in these uncertain times. Of particular note, the company INF insurance which offers travel insurance plans with coverage in the USA, Canada and Mexica. INF Insurance: offers two fixed benefit plans namely INF premier insurance and INF standard insurance and two comprehensive benefit plans namely INF Elite Network insurance and INF Traveler USA insurance with Covid19 coverage. These plans usually have a restriction on coverage of pre-existing medical conditions for their plan: INF Elite Network Insurance unless it is purchased BEFORE the traveler leaves their home country. INF traveler USA also offers coverage for Coronavirus. In light of the coronavirus epidemic, INF is lifting this restriction on pre-existing condition coverage even if purchased after coming to the US.

While many other insurers are NOT covering COVID-19 and even voiding policies due to the pandemic, INF insurance is a REAL option for travelers stuck in the US and needing insurance coverage. The INF travel insurance policy is good if you are replacing an existing travel policy that has expired or maybe you didn't have an insurance policy to begin with. International students in the US, Snowbirds from Canada or the UK, tourists from European nations, even US green card holders can purchase these plans. Note that the INF traveler USA ONLY offers coverage in the US, while the INF Elite can be used in the US, Canada, and Mexico (even by US citizens who ordinarily reside outside the US). The INF traveler USA is quite affordable and many travelers and students are even buying this plan to complement their existing insurance option if it has limitations in coverage for COVID-19.
Please know we are here to help you make the best, informed decision to get coverage even for COVID-19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.
inf
Insurance provider
INF
Policy maximum?
$150,000, $75,000

Deductible options?
$500
Traveler USA rating
AM Best Rating: A++
Traveler USA underwriter
Underwritten by ACE American Insurance Company (AAIC), a member of the Chubb Group of Companies.

Traveler USA Links

  • Brochure
  • Comprehensive
  • Claims
  • Renewal
  • Cancellation
  • Reviews

Traveler USA Insurance - Key Highlights

  • This is a comprehensive plan too but does not cover pre existing condition
  • Minimum purchase of 30 days is required for this plan.
  • This plan covers COVID-19.
  • Traveler USA plan covers UTI(Urinary Tract Infections) and is unique common amongst the older travelers.

Traveler USA For Visitor Accident & Sickness Insurance

INF Traveler USA provides the best comprehensive coverage for those traveling to the United States & Canada. Traveler USA covers all new sicknesses & accidents, and features the following benefits:
  • First Health PPO Network: The Traveler USA works at any In-Network provider. Get access to Cashless Claims (Insurance direct billing), Discounted Medical Rates.
  • Comprehensive Insurance for Ages 70+: The Traveler USA provides the only comprehensive insurance for visitors up to 99 years old.
  • Coverage for Infectious Diseases like UTI: INF Traveler USA is the only visitors insurance which covers treatment for Urinary Tract Infections, common amongst older travelers visiting the United States.

Traveler USA insurance summary

What is the eligibility to buy Traveler USA Insurance?
Traveler USA insurance eligibility

This plan is available for Non-US Citizens and US Citizen Expatriates visiting the United States.


Elite Network coinsurance?
  • In-Network : 80% of covered charges of covered charges up to The Total Maximum for all Accident or Sickness Expense Benefits.
  • Out-of-Network:60% of covered charges of covered charges up to The Total Maximum for all Accident or Sickness Expense Benefits.
AVI customer service

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cancellationElite Network Cancellation
  1. Changes in dates can be made with no additional charge or penalty. This includes preponing or postponing coverage before the effective date of the plan. This is always our policy and will not changes
  2. Policies can be cancelled before the start date of the policy with a minimal $25 cancellation fee. If the insured has not started their trip due to unforeseen circumstances, they may be eligible to cancel the policy
    • For example, if a week has passed and they want cancel the policy- that is not possible. There's no cancellation of policy after start date
    • However, due to coronavirus- If it is day 1 of the policy only, we can still consider it for cancellation during this coronavirus period if the visitor has not yet begin their trip (on a case by case basis).

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INF insurance does not cover medical tourism

INF insurance will not cover visitors to US if they are already sick, if a traveller is already in the hospital, expecting to use the insurance, if travelers have scheduled medical procedures, or if travelers are seeking on-going treatment. If a visitor proceeds to do any of the preceding, it may result in the cancellation of coverage, full refund of the amount paid, and all claims denied.
INF has a 5 day waiting period for new sickness / pre-existing coverage if the traveler has already arrived in the United States.

Traveler USA travel insurance plan benefits

Benefits Coverage
In-Patient
Hospital Room (average semi-private) & Board, and Miscellaneous
80% of Covered Network Charges up to the Overall Maximum Benefit
Hospital Intensive Care Unit 80% of Covered Network Charges up to the Overall Maximum Benefit
Surgeon 80% of Covered Network Charges up to the Overall Maximum Benefit
Anesthetist 80% of Covered Network Charges up to the Overall Maximum Benefit
Assistance Surgeon 80% of Covered Network Charges up to the Overall Maximum Benefit
Doctor’s Non-Surgical Visits 80% of Covered Network Charges up to the Overall Maximum Benefit
Consultant Doctor, when requested by attending Doctor 80% of Covered Network Charges up to the Overall Maximum Benefit
Pre-Admission Tests within 14 days before hospital admission 80% of Covered Network Charges up to the Overall Maximum Benefit
Out-patient
Surgical Room & Supply Expenses
80% of Covered Network Charges up to the Overall Maximum Benefit
Surgeon 80% of Covered Network Charges up to the Overall Maximum Benefit
Anesthetist 80% of Covered Network Charges up to the Overall Maximum Benefit
Assistance Surgeon 80% of Covered Network Charges up to the Overall Maximum Benefit
Doctor’s Non-Surgical Visits 80% of Covered Network Charges up to the Overall Maximum Benefit
Diagnostic X-rays & Lab Services 80% of Covered Network Charges up to the Overall Maximum Benefit
CAT Scan, PET Scan, or MRI 80% of Covered Network Charges up to the Overall Maximum Benefit
Hospital Emergency Room 80% of Covered Network Charges up to the Overall Maximum Benefit
Prescription Drugs 80% of Covered Network Charges up to the Overall Maximum Benefit
Other medical
Ambulance Services
80% of Covered Network Charges up to the Overall Maximum Benefit
Rehabilitative Braces or Appliances 80% of Covered Network Charges up to the Overall Maximum Benefit
Dental Treatment injury to Sound, Natural teeth (Due to Accident) 80% of Covered Network Charges up to the Overall Maximum Benefit
Chemotherapy and/or Radiation Therapy 80% of Covered Network Charges up to the Overall Maximum Benefit
Physical & Occupational Therapy 80% of Covered Network Charges up to the Overall Maximum Benefit
Private Duty Nurse 80% of Covered Network Charges up to the Overall Maximum Benefit
Emergency Medical Treatment of Pregnancy 80% of Covered Network Charges up to the Overall Maximum Benefit
Medical Evacuation $25,000 maximum
Repatriation of Remains $20,000 maximum
Intercollegiate Sports None
Accidental Death & Dismemberment $25,000 maximum

INF Provider network and how to find hospital or doctor?

INF maintains a wide network of health care providers.
First Health Care Provider Network
Quite often the travelers with international travel insurance claims have this question "My provider does not recognize First Health? How do I find someone who accepts this insurance?" When this happens- the travelers will feel frustrated and think their insurance is not worth the cost. The main reason why providers do not recognize or accept First Health PPO is because it is not a well known network within the medical billing system. However it is important to realize the First Health PPO is actually part of the "Aetna PPO Network" and INF plan works with "Aetna PPO" or First Health PPO Network.

On hospitalization or while making a claim with INF visitors insurance the traveler are requested to say "I have a health insurance plan which uses First Health / Aetna PPO Network. I found your contact in the Provider Directory. Do you accept plans which work with First Health / Aetna Network PPO? "

Do not say: "I have INF Visitor Accident & Sickness Insurance" or "I have Ace / AXIS Insurance." Providers WILL NOT recognize this language and may not accept the insurance.
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INF Resourceful travel insurance links

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